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"Regulatory Sandbox merupakan mekanisme uji coba terhadap inovasi teknologi terbaharukan atau model bisnis baru yang dimanifestasikan dalam suatu kerangka peraturan regulator finansial. Sejatinya mekanisme Uji coba piloting secara ad. hoc telah pertama kali dilaksanakan oleh Regulator Finansial sejak Tahun 2004 yaitu oleh Bangko Sentral ng Pillipinas (BSP) yang kemudian diikuti oleh regulator finansial lain diseluruh dunia, termasuk Bank Indonesia. Pada tahun 2016Financial Conduct Authority (FCA) Inggris merupakan negara yang mengkoinkan istilah Regulatory Sandbox dan membakukan mekanisme uji coba kedalam suatu kerangka pengujian yang bersifat berkelanjutan, setelah setahun sebelumnya mendirikan Project Innovate sebagai satuan unit FCA dan Innovation Hub untuk menghadapi perkembangan inovasi keuangan digital di sektor finansial Inggris. Pembentukan kerangka uji coba inovasi ini kemudian diadaptasi oleh berbagai regulator finansial di dunia, termasuk Bank Indonesia, Otoritas Jasa Keuangan, dan Bank Negara Malaysia. Meskipun banyak regulator yang telah membentuk Innovation Hub nya masing masing dan telah mengadopsi suatu kerangka uji coba yang serupa. Implementasi regulatory sandbox oleh setiap regulator finansial berbeda-beda disesuaikan kepada lingkup kewenangan regulator, volume inovasi, dan sudut pandang terhadap inovasi dari setiap regulator. Skripsi ini akan melakukan perbandingan kerangka Regulatory Sandbox dari 4 Regulator Finansial di 3 Negara yang berbeda, yaitu Bank Indonesia, Otoritas Jasa Keuangan, Financial Conduct Authority (Inggris), dan Bank Negara Malaysia (Malaysia). Regulatory Sandbox is an innovation testing mechanism for cutting-edge technological innovation or new business models that are manifested under a firm Financial Regulatory Framework. The first ad hoc test and learn mechanism were conducted by Bangko Sentral ng Pillipinas (BSP) in 2004, and were followed by various regulator across the globe, Including Bank Indonesia. In 2016, The United Kingdom Financial Conduct Authority (FCA) coined the term Regulatory Sandbox and standardize it under a specific and continuous regulatory framework, after One year earlier formed Project Innovate as the FCA Innovation unit and Innovation hub to encounter the digital financial services development in the UK Financial Sector. The formation of this Regulatory Sandbox Frameworks were being adopted by various financial regulator across the globe, including Bank Indonesia, Otoritas Jasa Keuangan, and Bank Negara Malaysia. Even tough various regulator have formed their own version of Innovation Hub and adopted the similar test and learn mechanism, the implementation of every regulatory sandbox may vary from one financial regulator to the other adjusted to every financial regulator supervisory purview, Innovation Volumes, and Regulatory viewpoint on innovation from every regulator. This Essay will compare the regulatory sandbox framework from 4 financial regulator in 3 Different Countries, Including Bank Indonesia, Otoritas Jasa Keuangan, Financial Conduct Authority (United Kingdom), and Bank Negara Malaysia (Malaysia)"

"Peningkatan penggunaan Inovasi Keuangan Digital selain memberikan dampak positif bagi pihak penyelenggara dan masyarakat, namun juga memiliki risiko terjadinya penggunaan layanan Inovasi Keuangan Digital sebagai sarana pencucian uang dan pendanaan terorisme. Terkait hal ini, ternyata dalam pelaksanaan rezim APU-PPT di Indonesia, Inovasi Keuangan Digital belum termasuk ke dalam pihak pelapor sebagaimana yang diatur dalam peraturan perundang-undangan. Dengan latar belakang tersebut, Pokok permasalahan yang diangkat pada penelitian ini antara lain bagaimana pengaturan mengenai prinsip Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU-PPT) dalam penyelenggaraan Inovasi Keuangan Digital di Indonesia serta bagaimana penerapan prinsip Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme pada penyelenggaraan Inovasi Keuangan Digital di Indonesia. Metode penelitian yang dilakukan bersifat deskriptif analitis dengan bentuk penelitian yuridis-normatif. Dari hasil penelitian yang dilakukan diketahui bahwa peraturan mengenai IKD diatur dalam POJK Nomor 13/POJK.02/2018 dan peraturan mengenai APU-PPT secara khusus dalam POJK Nomor 12/POJK.01/2017 sebagaimana diubah dengan POJK Nomor 23/POJK.01/2019. Sedangkan terkait pelaksanaanya, berdasarkan hasil penelitian diketahui fakta bahwa kewajiban penerapan prinsip APU-PPT bagi Penyelenggara IKD akan efektif diberlakukan pada tahun 2022 dan telah dilakukan pembahasan terkait dengan rencana disertakannya Inovasi Keuangan Digital sebagai salah satu pihak pelapor dalam rezim APU-PPT. Saran yang diberikan Penulis yaitu penggolongan klaster IKD berdasarkan tingkat risiko adanya pencucian uang dan penyusunan pedoman teknis tata cara pengisian laporan bagi perusahaan fintech.

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The increase of Digital Financial Innovations usage in addition to having a positive impact on both the operators and the public, also has the risk of its services being utilized as a means of money laundering and terrorism financing. Pertaining to this, it turns out that in the implementation of the AML/CFT regime in Indonesia, Digital Financial Innovations aren’t yet included as a reporting party as stipulated in the legislation. Based on this background, the main issues raised in this research includes how the Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) principles are regulated in the operation of Digital Financial Innovations in Indonesia and also how the Anti-Money Laundering and Combating the Financing of Terrorism principles are implemented in Digital Financial Innovations in Indonesia. The research method used is analytical descriptive in the form of normative legal research.

From the results of the achieved research, it was known that the regulations regarding DFI are regulated in POJK Nomor 13/POJK.02/2018 and the regulations regarding AML/CFT are specifically regulated in POJK Nomor 12/POJK.01/2017 as amended by POJK Nomor 23/POJK.01/2019. Meanwhile, on the subject of its implementation, based on the results of the research, it was known that the obligation to implement the AML/CFT principles for DFI Operators will be effective in 2022 and discussions concerning the plan to include Digital Financial Innovations as a reporting party in the AML/CFT regime has also been held. The recommendations that given by the author are classification of DFI Clusters based on the level of risk of money laundering and preparation of technical guidelines for filling out reports for fintech companies. "